Mortgage lending in Multnomah County
14,559 mortgages were originated in Multnomah County, Oregon, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 14,559
- Median rate
- 6.750%
- Median lender fees
- $6,421
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $345,000
- Above the going rate (spread over APOR)
- 0.223
- Paid discount points
- 41.1%
- Received lender credits
- 21.6%
- Purchases / refinances
- 53.5% / 24.8%
- Conventional / FHA / VA
- 87.8% / 8.7% / 3.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 66.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $701,500
- Median home price
- $610,000
- That home, 20% down
- $488,000
A median-priced home with 20% down leaves $344,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Multnomah County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Onpoint Community Credit Union | 2,559 | $4,549 | 7.500% |
| United Shore Financial Services, LLC | 898 | $7,556 | 6.499% |
| Guild Mortgage Company | 724 | $8,030 | 6.624% |
| Rocket Mortgage, LLC | 603 | $5,849 | 6.625% |
| U.S. Bank National Association | 394 | $4,238 | 8.000% |
| Guaranteed Rate, Inc. | 386 | $7,002 | 6.500% |
| Nations Direct Mortgage, LLC | 368 | $8,009 | 6.500% |
| Rivermark Community | 301 | $4,335 | 7.740% |
| Crosscountry Mortgage, Inc. | 267 | $9,038 | 6.875% |
| CMG Mortgage, Inc. | 260 | $7,700 | 6.625% |
What lenders charged here
Lender fees on a $345,000 loan, based on what was actually charged in Multnomah County — not a rule of thumb.
From 9,713 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers